diff --git a/.env.example b/.env.example
index fecc58f8..ae422cb0 100644
--- a/.env.example
+++ b/.env.example
@@ -224,6 +224,7 @@ R2_BACKUP_BUCKET=orion-backups
 # Get Issuer ID from https://pay.google.com/business/console
 # LOYALTY_GOOGLE_ISSUER_ID=3388000000012345678
 # LOYALTY_GOOGLE_SERVICE_ACCOUNT_JSON=/path/to/service-account.json
+# LOYALTY_DEFAULT_LOGO_URL=https://yourdomain.com/path/to/default-logo.png
 
 # Apple Wallet integration (requires Apple Developer account)
 # LOYALTY_APPLE_PASS_TYPE_ID=pass.com.example.loyalty
diff --git a/app/modules/loyalty/static/admin/js/loyalty-program-edit.js b/app/modules/loyalty/static/admin/js/loyalty-program-edit.js
index fe0f7a9b..fd3b97c7 100644
--- a/app/modules/loyalty/static/admin/js/loyalty-program-edit.js
+++ b/app/modules/loyalty/static/admin/js/loyalty-program-edit.js
@@ -100,6 +100,7 @@ function adminLoyaltyProgramEdit() {
 
             try {
                 const payload = this.buildPayload();
+                if (!payload) { this.saving = false; return; }
 
                 if (this.isNewProgram) {
                     const response = await apiClient.post(
diff --git a/app/modules/loyalty/static/merchant/js/loyalty-settings.js b/app/modules/loyalty/static/merchant/js/loyalty-settings.js
index b2e0bc3c..0cf29711 100644
--- a/app/modules/loyalty/static/merchant/js/loyalty-settings.js
+++ b/app/modules/loyalty/static/merchant/js/loyalty-settings.js
@@ -52,6 +52,7 @@ function merchantLoyaltySettings() {
 
             try {
                 const payload = this.buildPayload();
+                if (!payload) { this.saving = false; return; }
 
                 if (this.isNewProgram) {
                     await apiClient.post('/merchants/loyalty/program', payload);
diff --git a/app/modules/loyalty/static/shared/js/loyalty-program-form.js b/app/modules/loyalty/static/shared/js/loyalty-program-form.js
index f9cda4be..53244db6 100644
--- a/app/modules/loyalty/static/shared/js/loyalty-program-form.js
+++ b/app/modules/loyalty/static/shared/js/loyalty-program-form.js
@@ -98,7 +98,10 @@ function createProgramFormMixin() {
             if (!payload.minimum_purchase_cents) payload.minimum_purchase_cents = null;
             if (!payload.card_name) payload.card_name = null;
             if (!payload.card_secondary_color) payload.card_secondary_color = null;
-            if (!payload.logo_url) payload.logo_url = null;
+            if (!payload.logo_url) {
+                this.error = 'Logo URL is required for wallet integration.';
+                return null;
+            }
             if (!payload.hero_image_url) payload.hero_image_url = null;
             if (!payload.terms_text) payload.terms_text = null;
             if (!payload.privacy_url) payload.privacy_url = null;
diff --git a/app/modules/loyalty/static/store/js/loyalty-settings.js b/app/modules/loyalty/static/store/js/loyalty-settings.js
index 3cd6efa9..711878f6 100644
--- a/app/modules/loyalty/static/store/js/loyalty-settings.js
+++ b/app/modules/loyalty/static/store/js/loyalty-settings.js
@@ -82,6 +82,7 @@ function loyaltySettings() {
 
             try {
                 const payload = this.buildPayload();
+                if (!payload) { this.saving = false; return; }
 
                 let response;
                 if (this.isNewProgram) {
diff --git a/app/modules/loyalty/templates/loyalty/shared/program-form.html b/app/modules/loyalty/templates/loyalty/shared/program-form.html
index db561671..510b60a2 100644
--- a/app/modules/loyalty/templates/loyalty/shared/program-form.html
+++ b/app/modules/loyalty/templates/loyalty/shared/program-form.html
@@ -226,9 +226,10 @@
             </div>
         </div>
         <div>
-            <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-2">Logo URL</label>
-            <input type="url" x-model="settings.logo_url" maxlength="500" placeholder="https://..."
+            <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-2">Logo URL <span class="text-red-500">*</span></label>
+            <input type="url" x-model="settings.logo_url" maxlength="500" placeholder="https://..." required
                    class="w-full px-4 py-2 text-sm border border-gray-300 dark:border-gray-600 rounded-lg focus:border-purple-400 focus:outline-none dark:bg-gray-700 dark:text-gray-300">
+            <p class="mt-1 text-xs text-gray-500 dark:text-gray-400">Required for Google Wallet integration. Must be a publicly accessible image URL (PNG or JPG).</p>
         </div>
         <div>
             <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-2">Hero Image URL</label>